PARTICIPANT FEE DISCLOSURE Page 8 of 11 UNDERSTANDING RISKS (continued) 14. ASSET ALLOCATION FUNDS: Designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. The use of asset allocation as a part of an overall investment strategy does not assure a profit or protect against loss in declining market. 15. COMMODITIES/NATURAL RESOURCES: Specific uncertainties associated with commodities and natural resources investing include changes in supply-and-demand relationships due to environmental, economic and political factors, which may cause increased volatility and decreased liquidity.